Your overthinking it, jewels are meant to overpower gems so that the gems would be obsolete and phased out as the game progress.
By the time jewels reaches level 40 requirements the new gears would have gained better and significant stat improvements too. The game is meant to move forward, else it will get boring being stucked.
Having limited slot limits the maximum possible jewels you can add to your gears, what else is it for? But I get your point in having limited slot but each slot gets combo of any desired stat in a combo jewel. Theres no concrete rule on how the combo jewels would be, what would be the possible scenarios? What are the possible effect? What would be the best combinations possible? Etc etc.. All of these are mere speculation, we can discuss this again when the devs would really make a combined jewel and layout how its done. By that time we will have a solid basis on our argument .
YES! To combined jewel
YES! To game progress
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